Is it legal to send a consumer finance reminder email to the company?

Illegal and malicious debt collection, you can call the police, or sue, or ignore the other party, the debt needs to be borne by the parties, it is suggested to negotiate, and it may also involve fraud. Consumer finance sends a notice of dishonesty to your company, which is actually a collection of users. In fact, consumer finance must first sue the user, and the court decides the user to implement it. If the user refuses to implement it, it will be included in the national dishonesty list. After consumer finance loans overdue, consumer finance companies will judge whether to sue customers according to the severity of overdue, so customers may be sued. But even if sued, the consumer finance company will withdraw the lawsuit as long as the customer agrees to repay the loan according to the negotiation content. Whether suing customers or sending text messages for collection, the ultimate goal is to let customers pay off overdue debts as soon as possible.

How long will the arrears be prosecuted?

Each loan company has different dunning methods. It is recommended to repay the arrears as soon as possible. If it causes serious overdue, it will face:

1. Bear high overdue fees.

For late fees, different platforms in peer-to-peer lending have different names and charging standards. Whether it is called late fee interest, late fee management or other names, the charging standard is very high. So, if you have the ability to repay on time, don't be overdue.

2. Accept the whimsical collection of the platform.

Collection is generally divided into three stages: in the first stage, when the due date is only a few days away, MM, the platform customer service, gently reminds you that it is overdue, please repay it on time; In the second stage, the platform customer service is seriously overdue for a long time, and the early warning threat is overdue and will not face serious consequences. In the third stage, after a long delay, the platform was no longer convincing and began to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you discouraged in the circle of friends; The platform arranges special cashiers to collect money at home and communicate face to face. Of course, these are relatively mild. Some platforms outsource their collections and collect them by specialized collection companies. Some time ago, the collection company broke out "violent collection", and I believe that borrowers are not willing to encounter it.

Legal basis:

Criminal law of the people's Republic of China

Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.